Abstract: A method and device of performing a person-to-person payment from a wireless personal communications device of an originator to a wireless communications device of a recipient is provided. The method include transferring a respective blind payment identifier, which is associated with a payment having a monetary value, from a wireless personal communications device of the originator to a wireless personal communications device of the recipient by using a direct device-to-device communications protocol. The personal communications device includes means arranged to communicate wirelessly with a remote payment system to set up a payment therewith including by obtaining and storing a blind payment identifier; and means arranged to communicate directly with a proximal, second personal communications device and impart the blind payment identifier thereto.

Abstract: An apparatus, method and non-transitory computer-readable storage medium for processing market data. The apparatus may comprise a risk analyzer arranged to access a first set of time-series market data from a data source and to process said first set of time-series market data to generate data indicative of a risk category. The apparatus may also have a trend analyzer arranged to access said data indicative of a risk category determined by the risk analyzer and to output a value of a market indicator based on a second set of time-series market data. The trend analyzer may be arranged to determine the value of the market indicator using an output of a set of filters and the set of filters may be selected by the trend analyzer according to said data indicative of a risk category.

Abstract: A method and apparatus for performing a transaction based on a payment identifier which is embedded in or on a product. In response to an order for a product, a payment identifier is generated and associated with a monetary amount which is ring-fenced in an account. The payment identifier is embedded in or on the ordered product and the product is sent to a recipient. On receipt of the product, the recipient uses the payment identifier to obtain the monetary amount, via an Automated Teller Machine or an electronic bank transfer to their account. Ring-fenced monetary amounts in respect of the account are managed by a payment system and an associated method.

Abstract: Disclosed is a processor card arrangement comprising a first portion and a second portion capable of being moved relative to one another between a first configuration and a second configuration resulting in the processor card switching between a first state and a second state, wherein when in said first state, the processor card arrangement is operable to perform at least one function and, when in said second state, the processor card arrangement it is not operable to perform said at least one function. According to some embodiments of the invention the dimensions of said processor card arrangement are substantially the same when in the first configuration and when in the second configuration.

Abstract: A method for retrieving financial data for a budget is described. The method includes receiving, by a computer, a request for at least one monetary value representative of a sum of money to allocate for a particular outcome. The request is parsed, by a computer, to determine at least one expense item required to achieve the particular outcome. Ancillary information is retrieved relating to said at least one expense item, the ancillary information comprising a cost value representative of said at least one expense item. The retrieved ancillary information is processed to output said at least one monetary value.

Abstract: Disclosed is a processor card arrangement comprising a first portion and a second portion capable of being moved relative to one another between a first configuration and a second configuration resulting in the processor card switching between a first state and a second state, wherein when in said first state, the processor card arrangement is operable to perform at least one function and, when in said second state, the processor card arrangement it is not operable to perform said at least one function. According to some embodiments of the invention the dimensions of said processor card arrangement are substantially the same when in the first configuration and when in the second configuration.

Abstract: A decisioning system and method for dynamically building a question flow for determining a financial product suitable for a customer. The method includes selecting a second data capture stage from a predetermined set of one or more possible second data capture stages on the basis of an eligibility score associated with a financial product. The eligibility score is based on customer information submitted in response to a first data capture stage and is updated on the basis of customer information submitted in response to the selected second data capture stage. The first data capture stage and the second data capture stage each comprise data relating to one or more questions to be presented to a user.

Abstract: An electronic receipt server comprises an interface, a data store, and a processor adapted, on receiving receipt data associated with a customer purchase transaction from a first entity, to generate a reference associated with the customer purchase transaction, store the receipt data in the data store in association with the reference and return the reference to the first entity, and on receipt of a request comprising the reference from a second entity, to send an electronic receipt to the second entity, the electronic receipt being associated with the reference and presenting the customer purchase transaction according to the receipt data.

Abstract: Disclosed is a computer implemented method comprising the steps of calculating a fuel entitlement price, which is valid for a first order time period; receiving within the first order time period an order signal representing a first order by a customer for a fuel entitlement volume at the entitlement price, and accepting the first order, wherein the entitlement volume entitles the customer to take delivery from one or more of a plurality of filling stations, within a first entitlement time period, of a volume of fuel, in the aggregate, up to the entitlement volume, the first entitlement time period extending beyond the first order time period; updating a fuel entitlement balance of the customer to reflect the first order and the first entitlement time period; and updating the fuel entitlement balance of the customer in response to receipt of data indicating that the customer has taken delivery of a volume of fuel from a filling station.

Abstract: A computer implemented investment method comprises: financing an investor with a limited-recourse loan to make an investment in a security, the investment having an underlying investment strategy, which is to be applied over a plurality of investment periods, and periodic investment exit points; for each period of the investment, calculating a payment, which is payable by the investor in order to remain invested in the investment; investing during each period according the underlying investment strategy; calculating: a first redemption value if the investor exits at an exit point before the end of a final period, the value at least in part determined by the performance of the investment up to the point of exit; or a second redemption value if the investor remains invested over all periods, the value at least in part determined by the performance of the investment up to the end of the final period; and determining a redemption payment to the investor according to the respective redemption value and the loan am

Abstract: Disclosed is a computer implemented method comprising the steps of calculating a fuel entitlement price, which is valid for a first order time period; receiving within the first order time period an order signal representing a first order by a customer for a fuel entitlement volume at the entitlement price, and accepting the first order, wherein the entitlement volume entitles the customer to take delivery from one or more of a plurality of filling stations, within a first entitlement time period, of a volume of fuel, in the aggregate, up to the entitlement volume, the first entitlement time period extending beyond the first order time period; updating a fuel entitlement balance of the customer to reflect the first order and the first entitlement time period; and updating the fuel entitlement balance of the customer in response to receipt of data indicating that the customer has taken delivery of a volume of fuel from a filling station.

Abstract: Disclosed is a processor card arrangement comprising a first portion and a second portion capable of being moved relative to one another between a first configuration and a second configuration resulting in the processor card switching between a first state and a second state, wherein when in said first state, the processor card arrangement is operable to perform at least one function and, when in said second state, the processor card arrangement it is not operable to perform said at least one function. According to some embodiments of the invention the dimensions of said processor card arrangement are substantially the same when in the first configuration and when in the second configuration.

Abstract: This invention relates to a method and system for controlling smartcards which are capable of audiovisual output. Data stored remotely from the smartcard can be monitored for indication of a predetermined criterion and/or change in status of an account associated with the smartcard, for example indication of a certain level of funds in a smartcard user's bank account. A control signal can then be communicated to the smartcard for controlling the update of audiovisual output from the smartcard. The control signal can thus be communicated to the smartcard in response to a trigger generated externally of the smartcard. Data relating to audiovisual output of the smartcard may be stored on the smartcard itself, in which case the control signal may indicate to the smartcard to update its audiovisual output according to audiovisual data already present on the smartcard.

Abstract: A resource consumption management system for an environment measures resource use and occupancy and data is accessible via a graphical user interface that can show the contribution made by individuals. A location system tracks the location of individuals in the environment. Individuals are able to log preference values for the level at which resource consuming devices are running and those preference values are taken into account by a building management system in controlling the resource consuming devices at the tracked location of the individuals. Where the resource is energy, the system can show an individual the real time carbon footprint of energy usage in the environment at an individual level. Further, comparisons can be made between an environment and a reference measure of resource consumption such as that of another floor or another building.

Abstract: Embodiments of the present invention relate to ways of processing the loss or theft of a an ATM card or the like including: reporting to a card provider that the card has been lost or stolen; authenticating the reported loss or theft and restricting the subsequent use of the card; and issuing a cash withdrawal code, which is usable for withdrawing an agreed amount of emergency cash from a cash dispensing machine without•requiring the use of a cash dispensing card, and storing the cash withdrawal code. Embodiments of the present invention thereby enable the card holder to withdraw cash in a situation where they may otherwise be without the facility to obtain cash while limiting or preventing the ability for anyone to misuse the card that has been reported as lost or stolen. Generating of issuing a PIN or code after the card was stolen or loss of said card.

Abstract: Data processing systems for international commerce, and in particular relates to cross border transactions in which a foreign exchange transaction is required to settle payment for goods or services. The invention finds particular application in relation to large numbers of low value transactions.